Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,378Cash toward the purchase price.
Closing costs + prepaids$8,730Not just lender fees.
Before credits & paid funds$266,108The complete starting cash picture.
Estimated remaining funds due at closing
$266,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,378.35
Your down payment$257,378.35
Closing costs + prepaids$8,729.79
Total buyer cash needed$266,108.13
Remaining funds due$266,108.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,808.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$117.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$493.75
Prepaid interest, first (26 days)$92.93
Fees + prepaids$8,729.79
Your down payment is the seller’s equity. You take over the $23,422 balance, so the rest of the $280,800 price is paid at closing. A second mortgage can cover part of it. $266,108.13 is due at closing. Uses and sources reconcile at $289,529.79 each. Not a Closing Disclosure.